Terms of use

1. Scope

These terms govern your use of the Agora mini MBA app and its content, provided by Andreas Nowottny (trading as Agora), Nibelungenallee 45, 60318 Frankfurt am Main, Germany (“we”). By using the app you accept them.

2. What the app is — and is not

Agora mini MBA is a self-paced course in business fundamentals: short lessons, quizzes, spaced review and decision cases.

• It is not an academic degree, an MBA or an accredited qualification. The Certificates of Completion confirm that you finished the lessons of a module — nothing more.
• It is educational content, not financial, investment, legal, tax or other professional advice. Do not base important decisions on it alone.
• Examples about real companies are based on public sources, stated with a date, and may since have changed. Decision cases use fictional companies.

3. Free and paid content

The introduction is free. The full programme — every module, decision case and certificate, and new lessons as they are released — is available with any of three plans:

• Monthly or yearly subscription: renews automatically at the end of each period at the then-current price until you cancel. You can cancel at any time in the store (on Google Play: Payments & subscriptions → Subscriptions); access continues until the end of the period you have paid for. The store tells you in advance about any price change, as its rules require.
• Lifetime: a single one-time payment for permanent access to the programme in this app.

Prices, including any VAT and any introductory offer, are shown in the store before you buy and may differ between countries. If a subscription ends or is refunded, the paid content locks again; your progress stays on your device.

4. Buying through the app store

Purchases are made through the app store (currently Google Play) and are subject to its terms. The store processes the payment and handles cancellation and refunds under its own policies. In the European Economic Area, the purchase contract for content on Google Play is concluded with Google Commerce Limited under the Google Play Terms of Service; see also the Google Play refund policy. Your statutory rights remain unaffected.

Your purchase or subscription is linked to your store account. To use it on another device, sign in with the same account and tap “Restore purchase”.

5. Your licence

We grant you a personal, non-exclusive, non-transferable right to use the app and its content for your own learning. You may not copy, republish, sell or systematically extract the content, or use it to train AI models, without our written permission. All rights in the texts, diagrams and design remain with us or the respective rights holders.

6. Availability and changes

We aim to keep the app available and its content accurate and up to date, and we may improve, correct or extend the content. New lessons and cases are included in all paid plans at no extra cost. We will not remove material parts of content you have paid for without good reason, and never without offering an equivalent. Progress is stored on your device only; we cannot restore it if you delete the app or your device data.

7. Liability

We are liable without limitation for intent and gross negligence, for injury to life, body or health, and under the German Product Liability Act. For slight negligence we are liable only for breach of an essential contractual obligation (one whose fulfilment makes proper performance possible and on which you may regularly rely), limited to the foreseeable damage typical for this type of contract. Otherwise our liability for slight negligence is excluded. Statutory warranty rights for digital products remain unaffected.

8. Law and disputes

German law applies, excluding the UN Convention on Contracts for the International Sale of Goods. If you are a consumer, this choice of law does not deprive you of the protection of mandatory provisions of the law of the country where you habitually reside. We are neither willing nor obliged to take part in dispute resolution proceedings before a consumer arbitration board.

9. Contact

Questions, feedback or corrections: annofinance@gmail.com

Last updated: 22 September 2026